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Unenforceable Credit Agreements advice
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How to get out of debt legally by not repaying a penny!...

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Unenforceable loan agreements, get out of debt fast!
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How to escape debt legally by not repaying a penny back to your creditors...

According to Credit Action the average household debt has now reached 58,290. Many of us are struggling to meet our repayments and look for effective ways to get out of debt. You may try and save some money with a balance transfer or consolidation loan. Both of these methods are recommended on a short term basis but what if there way a way you could completely clear the balance of your unsecured debts?

How is this possible?
When companies lend money to people they have to by law, provide a 'credit agreement', which, if you have a loan or credit card you probably signed at the time of taking out the credit. These agreements MUST comply with the Consumer Credit Act 1974 in order for the lenders to ask for the money back they lent you. Most UK lenders have not followed their legal obligations under the Act and subsequently there are a lot of credit agreements which are deemed 'unenforceable' and can be challenged in a court of law.

What debts can be challenged for ‘unenforceability'?
Credit card Debt, Unsecured Loans, Secured Loans, Consolidation Loans, Car Finance, Hire Purchase can all be challenged.

If your credit agreement is found to be 'unenforceable' then the agreement could be cancelled between you and your creditor, no more payments would be required enabling you to get out of debt effectively.

If we are successful there are not additional charges, you keep 100% of the money recovered.

How do I see if I can get my Credit Agreement(s) cancelled?
Simply fill out our form here to see if you agreements qualify.

Want to get more information on Unenforceable Loan Agreements?
For the most frequently asked questions visit our FAQ section here.

Can I reclaim my Payment Protection Insurance as well?
Yes we can reclaim your PPI for you. Our specialists have years of experience in reclaiming PPI and can turn most cases around in as little as 6 weeks (Depending on circumstances).

What if I do not qualify for a Unenforceable Credit Agreement?
There are many other debt solutions you can use to get out of debt such as a Debt Management Plan, Debt Settlement, IVA, Trust Deed or Debt Relief Order. Give us a call to discuss your options on 0800 043 2027.

Dont just take our word for it...

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"The bill gives us the once-in-a-generation opportunity to prevent more people becoming trapped in grossly unfair credit deals".

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'Lenders are preferring to settle out of court if there is a case to answer.'

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"By process of law, the inequity of our relationship with the lender has been recognised".

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"If contracts are proved to be Unenforceable, they cannot be collected by the lender".

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